The Top Fixed Interest Savings Discussion Area

flobbalobbalob

I think it only counts as an ISA after you put money into it. So you can, in effect, reserve it till next financial year.

2010

SickGroove said:

2010 said:

flobbalobbalob said:

Charter 1 year fix now 4.46% AER

3.56% after basic tax.
Charter have a 1 yr fix ISA @ 4.01%

Do you know if you can open this Charter ISA now but not fund it until 6th April as I've already maxed out the 22/23 ISA allowance?

I've already got a 1 year fixed savings account open with Charter so hopefully it should be easy to add this to my account 

You`ve got 30 days to fund it from opening.

Sea_Shell

refluxer said:

Sea_Shell said:

ranciduk said:

Shawbrook 1 year now 4.44%

How Long do they give you to fund after applying?

As mentioned above, you can added funds to Shawbrook fixed rate accounts until that particular product is withdrawn (and up to 7 days afterwards) which is actually fairly unusual as the majority of fixed-rate providers have a set funding window, with the average window being a couple of weeks in my experience.

This does mean that, if you're intending to deposit over a period of time longer than a week or two (or add more at a later date), then you'll need to monitor their website regularly for either a rate change or the product disappearing altogether, as they won't notify you when this happens.

These are the key statements from the fixed rate T&Cs...

• Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn from sale you will be able to put more money into your account for a further seven working days.
• Please note that if we withdraw this product you will not be notified in writing. 

Easter might come to our rescue then?!    

Even if the account was pulled today (issue 87 is still available BTW), that would give us until Friday 14th, would it? 


I suppose then the next question is will the new issue, when it comes, be "higher or lower than the preceding one".

Ooh, it's like Play Your Cards Right.

intalex

intalex said:

Atom 1-year fix up to 4.40% AER

Longer terms are still maintained at 4.45% AER

MoneyFacts suggests Atom 1-year fix up to 4.50% AER

refluxer

intalex said:

intalex said:

Atom 1-year fix up to 4.40% AER

Longer terms are still maintained at 4.45% AER

MoneyFacts suggests Atom 1-year fix up to 4.50% AER

Now confirmed on their site. I think the 9 month Fixed Saver may have also had a small boost to 4.05%. Their 2-5 year fixes remain at 4.45%, though.

pecunianonolet

It does tell me that banks expect interest rates to remain higher for longer then anticipated some time ago when we had a rather obvious invereted yield curve. 

intalex

pecunianonolet said:

It does tell me that banks expect interest rates to remain higher for longer than anticipated some time ago when we had a rather ovious invereted yield curve. 

Not much competitiveness lately on the 2+ year terms, and even where we see change, it's been tiny... 

SJMALBA

Kent Reliance - 1 Year @ 4.51% (4.42% Monthly)

https://www.kentreliance.co.uk/bonds/1-year-fixed-rate-bonds

cloud_dog

intalex said:

pecunianonolet said:

It does tell me that banks expect interest rates to remain higher for longer than anticipated some time ago when we had a rather ovious invereted yield curve. 

Not much competitiveness lately on the 2+ year terms, and even where we see change, it's been tiny... 

Thought I would comment that DF Capital have a 3 year FR bond (Issue 3) available at 4.56% APR.

Middle_of_the_Road

cloud_dog said:

intalex said:

pecunianonolet said:

It does tell me that banks expect interest rates to remain higher for longer than anticipated some time ago when we had a rather ovious invereted yield curve. 

Not much competitiveness lately on the 2+ year terms, and even where we see change, it's been tiny... 

Thought I would comment that DF Capital have a 3 year FR bond (Issue 3) available at 4.56% APR.

Not heard of DF before, will have a look.

Saw this though, as I have their 1 year bond.  H.T.B.  2 year bond 4.53%

Fixed Rate Savings Accounts | Hampshire Trust Bank (HTB)